Investment options of RIVERSIDE REFRESHMENTS, INC. 401(K) PLAN
Total Available Funds: 49
| Investment Description |
|---|
| American Funds Amcap R6 |
| American Funds Amer Balanced R6 |
| American Funds Growth Fund of Amer R6 |
| American Funds Investment Company of America R6 |
| American Funds Washington Mutual Investors R6 |
| Invesco Small Cap Growth R6 |
| Oppenheimer Funds Oppenheimer Global Opportunities Inst |
| Pimco Income Inst |
| Vanguard 500 Index ADM |
| American Funds Capital World Gr&Inc R6 |
| American Funds Target Date Retirement 2010 |
| American Funds Target Date Retirement 2020 |
| American Funds Target Date Retirement 2025 |
| American Funds Target Date Retirement 2030 |
| American Funds Target Date Retirement 2035 |
| American Funds Target Date Retirement 2040 |
| American Funds Target Date Retirement 2045 |
| American Funds Target Date Retirement 2050 |
| American Funds Target Date Retirement 2055 |
| American Funds Target Date Retirement 2060 |
| Mass Mutual MassMutual Small Cap Val EQ I |
| Invesco Oppenheimer Main Street MC R6 |
| MassMutual Fixed Account |
| 1RFTTX 1,700.33 |
| 1RRCTX 17,519.95 |
| 1RFDTX 432,185.55 |
| 1RFETX 149,093.00 |
| 1RFFTX 122,218.54 |
| 1RFGTX 60,639.09 |
| 1RFHTX 10,341.62 |
| 1RFITX 129,530.17 |
| 1RFKTX 24,595.86 |
| 1RFUTX 27,908.76 |
| 1RWIGX 267,992.02 |
| 1SIDRX 247,604.60 |
| 1OGIIX 121.60 |
| 1GTSFX 550,944.80 |
| 1MMQIX 12,902.83 |
| 1OPMIX 17,607.42 |
| 1RAFGX 843,369.39 |
| 1RGAGX 270,727.14 |
| 1RICGX 709,591.73 |
| 1RWMGX 573,948.41 |
| 1VFIAX 831,522.89 |
| 1RLBGX 442,363.88 |
| 1MPHQX 497,310.42 |
| 1PIMIX 207,988.81 |
| 1MHPJA1 2.800 910,646.83 |
| FORFEITURES 20,529.92 |
Investment model portfolios
We provide two types of investment model portfolios for RIVERSIDE REFRESHMENTS, INC. 401(K) PLAN participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for RIVERSIDE REFRESHMENTS, INC. 401(K) PLAN